Lending Assistant - Watkinsville

Overview:

The Lending Assistant is a key member of our Loan Origination team whose primary goal is to help local businesses achieve their financial goals. Our ideal candidate will have 1-3 years of experience supporting relationship managers for both commercial and consumer loans. This position requires the ability to organize and effectively prioritize multiple loan closings while coordinating with relationship managers, customers, and third-party interests.

Responsibilities:

• Scanning and uploading any hard copy documentation received from the customer.
• Sending loan forms, disclosure agreements and other supporting documentation to customers for completion and signature
• Ordering appraisals/evaluations reports and income/employment verification
• Requesting title and lien searches; obtaining flood determinations and processing credit verification requests
• Request proof of insurance on all collateral
• Funding loans at closing and performing review of executed documents.
• Placing loan documents into specific stacking order and sending to collateral specialist after loan has been funded and submitted for booking.
• Following up/clearing document exceptions in a timely manner
• Ensure compliance with all applicable state and federal banking laws and regulations.
• Maintain confidentiality of all customer files and proprietary (physical, electronic, intellectual) Bank property
• Understanding and knowledge of consumer lending, TRID loans, and Commercial lending
• Satisfactorily complete all required Bank Secrecy Act/Anti-Money Laundering/OFAC compliance training and complies with all regulations which apply within the scope of the position.
• Satisfactorily perform all the required duties of the position and meet the performance standards of the position based on metrics for measurement of performance that are specified.

Key Results Areas:

• Manage Loan Pipelines for one or two Relationship Managers or Portfolio Managers.
• Compile necessary documentation and information timely and accurately for all loan closings.
• Meet all deadlines for loan closings.
• Manage and follow up on all post-closing items to complete file.

Experience & Education:

A high school diploma or equivalent is required. 1-3 years of experience supporting commercial lenders with some consumer loan and TRID loan experience is desired. 1-3 years of previous real estate lending experience is required. Experience with Microsoft Office Suit (Excel, Word, PowerPoint, Etc.) is required.

Required Knowledge, Skills, Abilities:

The ideal candidate will have the ability to thinks analytically to identify and define problems, extract key information from data and develop working solutions. The ability to gather information about a specific topic/problem, review that information and analyze and interpret the information in a manner that brings a defensible and clear solution. The ability to ensure that one’s work and information are complete and accurate; carefully preparing for delivery of information, following up with others to ensure that agreements and commitments have been fulfilled. The candidate will have integrity, discretion, and respect for confidential information, the ability to handle multiple tasks simultaneously in a fast paced, diverse, and growth-oriented environment, superior customer service, issue resolution, as well as clear verbal and written communication skills are required. The ideal candidate will also have sound oral and written communication skills, interpersonal skills that invoke a team approach and cooperative attitude, and knowledge of loan policy and procedures.

Other Requirements:

Satisfactorily complete all required compliance training and compliance with all laws and regulations that apply based on the scope of this position.

Interpersonal Skills:

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

Physical Requirements:

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in an emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance.

Working Conditions:

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

Mental and/or Emotional Requirements:

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.

Scope:

The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description is not a contract and should not be construed as a guarantee of employment for any specific period of time.

BankSouth is an equal opportunity employer, all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, age, sexual orientation, gender identity, disability, or veteran status.